Buying Your First Home!
RULES OF HAPPY HOUSE HUNTING :)
When in doubt, ask me anytime!
Working with a local loan officer can provide easy communication and a smooth process.
Don’t call the agent listed on a sign; always call YOUR trusted agent (aka me, I hope!) for all showings and questions (this even includes FSBO homes.)
Don’t apply for or open up any new credit cards, store cards, or lines of credit and don't make any major purchases (e.g. new car or lots of furniture.)
Don’t move around large amounts of money or withdraw large amounts of cash.
Don’t miss a bill payment or existing mortgage payment.
Don’t change jobs, and especially do not change career fields, without discussing with your lender ahead of time.
90 SECOND QUICK TIPS
FREQUENTLY ASKED QUESTIONS
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Sounds like you’ve already begun! This type of research is a great way to become a smart home shopper. The highest priorities to focus on before you begin searching for specific areas, neighborhoods, or homes would be to familiarize yourself with your personal finances. Contact me so we can discuss the different loan types and I can introduce you to a fantastic, local mortgage lender to help you understand the numbers! Let’s sit down over coffee and talk about the entire home-buying process.
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Once we meet and review your home buying needs, you should select a loan officer. One of the perks of working with me is I have a tried-and-true network of loan officers specializing in various types of loans. I can refer you to several trusted lending professionals to get you started, specifically lenders that specialize in your unique situation, and I'll personally serve as your liaison through it all!
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Absolutely! I am able to get you into ANY house in the area listed by ANY real estate company, and even for sale by owner homes! With For Sale By Owner, we will aim to keep the transaction just as smooth as it would be if each side of the sale had a real estate agent. There could be some nuances, but we'll cross those bridges together if the time comes!
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If you see "contract pending" in a house description online, this means that the home is Under Contract. Both parties (the buyer and the seller) have accepted final terms but they have not yet "Closed" on the property. There are likely some contingencies that need to be removed prior to closing. Can we schedule a showing? Not usually. Can the deal fall through? Yes, this is possible, so let's keep an eye on it.
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It is in your best interest to work exclusively with one. I have access to every home in the Multiple Listing Service (MLS.) Your commitment to me is appreciated, and in return, you will receive my full dedication and expertise focused on your success. Plus, do you really want to tell your home search priorities to agent, after agent, after agent? Partner with me and you'll begin to think I know what you're looking for better than you do! This is buying a home in today's world. Having an agent that truly cares!
